********* Practices That Cost Customers More

I have a car loan with you and I’m extremely disappointed with how your processes are designed to default to choices I would never make. It feels intentionally *********.

1. You SMS me demanding a same-day response or you’ll change my debit date without my consent — even though I clearly stated I want to be debited on the 1st of each month. Why are you changing it in the first place?

2. When I increase my payment to pay off the loan faster, you quietly reset it back to the minimum amount after 12 months. This only makes me pay more interest and feels deliberately deceptive.

3. Your SMSes list a number to call, but when I dial it, I’m transferred around endlessly. Why not just provide the correct number upfront?

This kind of behaviour erodes trust. I expect better from a financial institution.